A disclosed method of authenticating a telephone caller includes receiving an authentication request for the telephone caller that includes a voice recording of the caller and household information indicative of a household, creating a first voice pattern based on the voice recording of the caller, retrieving a second voice pattern using at least some of the household information, comparing the two voice patterns, and transmitting information indicative of the results of the comparison. The transmitted information may include information that the telephone caller is authenticated, is not authenticated, or that the comparison results were inconclusive. The method may include monitoring telephone calls with the household, and if it is determined that a voice on at least some of the telephone calls is associated with the household, creating the second voice pattern based on the voice, and associating the second voice pattern to the household. The method may further include disassociating the second voice pattern from the household if it is determined that a change of household has occurred.
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1. An authentication method, comprising:
monitoring a plurality of telephone calls associated with customer premises equipment of a household for a predetermined duration;
for each of the plurality of telephone calls:
determining whether the voice pattern of a call participant matches a previously recorded pattern;
responsive to determining that the voice pattern matches a previously recorded pattern, determining whether a number of occurrences of the previously recorded pattern exceeds a sufficiency threshold; and
responsive to determining the number of occurrences exceeds the sufficiency threshold, associating the voice pattern with the household;
receiving, from an authentication requestor, a request to authenticate a telephone caller, the request including:
a first voice pattern of the telephone caller; and household information indicative of the household;
retrieving, based on at least some of the household information, second voice patterns associated with the household, each of the second voice patterns associated with a household member;
comparing the first voice pattern to at least some of the second voice patterns; and
transmitting information indicative of a result of the comparing;
disassociating voice patterns associated with the household upon the occurrence of a change of household.
8. A caller authentication device, comprising:
a processor;
a network adaptor; and
storage, including processor executable instructions that, when executed by the processor, cause the processor to perform operations comprising:
monitoring a plurality of telephone calls associated with customer premises equipment of a household for a predetermined duration;
for each of the plurality of telephone calls:
determining whether the voice pattern of a call participant matches a previously recorded pattern;
responsive to determining that the voice pattern matches a previously recorded pattern, determining whether a number of occurrences of the previously recorded pattern exceeds a sufficiency threshold; and
responsive to determining the number of occurrences exceeds the sufficiency threshold, associating the voice pattern with the household;
receiving, from an authentication requestor, a request to authenticate a telephone caller, the request including:
a first voice pattern of the telephone caller; and
household information indicative of the household;
retrieving, based on at least some of the household information, second voice patterns associated with the household, each of the second voice patterns associated with a household member;
comparing the first voice pattern to at least some of the second voice patterns; and
transmitting information indicative of a result of the comparing; and
disassociating voice patterns associated with the household upon the occurrence of a change of household.
15. A non-transitory computer readable storage device including computer executable instructions for authenticating a telephone caller alleging to be associated with a household, the instructions, when executed by a computer, causing the computer to perform operations comprising:
monitoring a plurality of telephone calls associated with customer premises equipment of a household for a predetermined duration;
for each of the plurality of telephone calls:
determining whether the voice pattern of a call participant matches a previously recorded pattern;
responsive to determining that the voice pattern matches a previously recorded pattern, determining whether a number of occurrences of the previously recorded pattern exceeds a sufficiency threshold; and
responsive to determining the number of occurrences exceeds the sufficiency threshold, associating the voice pattern with the household;
receiving, from an authentication requestor, a request to authenticate a telephone caller, the request including:
a first voice pattern of the telephone caller; and
household information indicative of the household;
retrieving, based on at least some of the household information, second voice patterns associated with the household, each of the second voice patterns associated with a household member;
comparing the first voice pattern to at least some of the second voice patterns;
transmitting information indicative of a result of the comparing; and
disassociating voice patterns associated with the household upon the occurrence of a change of household.
2. The method of
3. The method of
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6. The method of
7. The method of
9. The device of
assigning the first voice patterns to at least one of a physical address for the household and a telephone number for the household.
10. The device of
11. The device of
12. The device of
13. The device of
14. The device of
16. The computer readable storage device of
17. The computer readable storage device of
18. The computer readable storage device of
19. The computer readable storage device of
20. The computer readable storage device of
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1. Field of the Disclosure
The present disclosure relates to confirming the identity of telephone callers.
2. Description of the Related Art
Individuals often use a telephone to access personal or restricted information that is maintained by third parties such as financial institutions, stock brokers, credit card issuers, department stores, service providers, and the like. Before being permitted to access such information, such individuals are typically required to confirm their identity using a password, personal identification number, or combination of the two.
In one aspect, a disclosed method of authenticating a telephone caller includes receiving an authentication request for the telephone caller that includes a voice recording of the caller and household information indicative of a household, creating a first voice pattern based on the voice recording of the caller, retrieving a second voice pattern using at least some of the household information, comparing the two voice patterns, and transmitting information indicative of the results of the comparison. The method may further include monitoring telephone calls with the household, if it is determined that a voice on at least some of the telephone calls is associated with the household, creating the second voice pattern based on the voice, and associating the second voice pattern to the household. In another embodiment, the method includes disassociating the second voice pattern from the household if a household change has occurred for the household.
In another aspect, a caller authentication device suitable for authenticating telephone callers is disclosed. The device includes storage, a processor operable to access the storage, a caller authentication request interface for receiving an authentication request for a caller wherein an authentication request includes a voice recording of the caller and further includes household information indicative of a household, a telephone call monitoring interface for monitoring calls with the household, and one or more applications modules, at least partially stored in the storage, including instructions executable by the processor. The one or more application modules include instructions to: create a first voice pattern based on the voice recording of the caller; retrieve a second voice pattern using at least some of the household information; compare the first voice pattern to the second voice pattern; and transmit information indicative of a result of the comparison. The one or more application modules may further include instructions to: monitor a plurality of telephone calls with the household; create the second voice pattern based on a voice when the voice is determined to be associated with the household; and assign the second voice pattern to at least one of a physical address for the household and a telephone number for the household.
In a further aspect, a computer program stored on a tangible computer readable medium is disclosed. The computer program has instructions operable for authenticating a telephone caller alleging to be associated with a household. The computer program further has instructions for monitoring a plurality of telephone calls with the household and instructions for creating a first voice pattern in response to determining that a voice on at least some of the plurality of telephone calls is associated with the household. Further instructions are operable for associating the first voice pattern with the household, creating a second voice pattern based on the voice recording of the telephone caller, retrieving the first voice pattern using information indicative of the household, and comparing the first voice pattern to the second voice pattern. Instructions are further included for delivering the results of the comparison and for disassociating and/or de-assigning the first voice pattern from the household upon determining that a household change has occurred for the household.
In the following description, details are set forth by way of example to facilitate discussion of the disclosed subject matter. It should be apparent to a person of ordinary skill in the field, however, that the disclosed embodiments are exemplary and not exhaustive of all possible embodiments. Throughout this disclosure, a hyphenated form of a reference numeral refers to a specific instance of an element and the un-hyphenated form of the reference numeral refers to the element generically or collectively. Thus, for example, widget 102-1 refers to an instance of a widget class, which may be referred to collectively as widgets 102 and any one of which may be referred to generically as a widget 102.
Referring now to the drawings,
In some embodiments, TCA system 100 facilitates the ability of provider 140 to authenticate the identity of telephone callers 105 who call provider 140 to access information that may be personal or restricted. Such authentication may be performed in the depicted embodiment of TCA system 100 without the need for telephone callers 105 to provide a password, personal identification number, or some combination of the two. Provider 140 may be any person or entity that maintains information such as account or personal information for which access should be restricted to authorized individuals. Examples of provider 140 include financial institutions, stock brokers, credit card issuers, department stores, service providers, and the like. Before permitting telephone callers 105 to access such personal or restricted information, provider 140 may invoke CVRR 120 of TCA system 100 in an effort to determine if telephone caller 105 is authorized to access the requested information.
In some embodiments, CVRR 120 obtains a recording of telephone caller's 105 voice and account information associated with the restricted information telephone caller 105 desires to access. CVRR 120, as shown in
CVRR 120 may, through network 115, communicate an authentication inquiry to CAR 125. In alternative embodiments, provider 140 may communicate an authentication inquiry to CAR 125. The authentication inquiry may include a recording of telephone caller's 105 voice together with information indicative of a household associated with the information which telephone caller 105 desires to access. In other embodiments, a voice pattern is created by CVRR 120 or provider 140 based on the recording of telephone caller's 105 voice and such voice pattern in included within the authentication inquiry. Such household information may include an address or telephone number for the household or any other information indicative of the particular household such as a plat number, property identification number, legal property description, or the like. Upon receipt of an authentication inquiry, CAR 125 as shown in
Based on the comparison result, CAR 125 communicates the results of the comparison to CVRR 120. In other embodiments, CAR 125 may communicate the results of the comparison directly to provider 140 or to telephone caller 105 or to such other party or device (or combination of the foregoing) as CAR 125 may be directed to do. Based on the results of the comparison, provider 140 may then elect to permit telephone caller 105 to access the desired information, may then prevent telephone caller 105 from accessing the desired information, or may then perform further authentication of telephone caller 105 such as requesting additional information from telephone caller 105 (such as a password, personal identification number, account history, etc.) that is unique to the account associated with the information telephone caller 105 desires to access. In further embodiments, CAR 125 may be communicatively coupled to provider 140 and/or CVRR 120 and (as applicable) account information database 160 so as to permit CAR 125 to receive, process, and respond to an authentication request in real time (i.e., such that provider 140 and/or telephone caller 105 experience no or minimal delay in receiving the results of the comparison).
Thus, the described TCA system 100 is operable to authenticate a telephone caller as residing within a household associated with restricted information that the telephone caller desires to access. TCA system 100 is operable to perform the authentication process automatically and without the requirement for the telephone caller to provide a password, personal identification number, or some combination of the two. Although TCA system 100 is described herein with respect to telephone calls with consumer oriented service providers, one skilled in the field will recognize the applicability of the described system for use in non-consumer applications and environments. As an example, TCA system 100 may be employed in industrial, business to business, governmental, educational, and other environments to authenticate the identity of callers desiring to access information maintained by entities or persons operating in such environments.
Referring now to
The storage resource 210 of CAR 125 may include volatile storage including, as examples, dynamic random access memory and static dynamic random access memory, as well as non-volatile storage including, as examples, magnetic disks, optical disks, floppy disks, magnetic tapes, Read Only Memory devices, flash memory devices, and the like. In some embodiments, portions or features of CAR 125 may be implemented as computer software modules that include a set or sequence of computer executable instructions stored on storage resource 210 or another suitable storage device accessible to processor 205.
Referring to
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In one embodiment, method 600 of
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The applicable household information contained in account information database 160 may be obtained by provider's 140 interaction with its customers. Provider 140 may desire to obtain additional household information beyond what may be available or readily obtained by way of provider's 140 interaction with its customers and to do so in a manner which does not require such additional household information to be obtained directly from the applicable customer. In one embodiment, CAR 125 may have access to additional household information obtained directly from households (as well as from third parties) such as ages of persons residing within the applicable household, employment information, income information, service preferences, gender, race, and the like. Such additional household information may be stored in voice pattern database 150 (or another database or storage device not depicted) and associated with the particular household. In such embodiment, CAR 125 may make available to provider 140 some or all of such additional household information data when CAR 125 transmits information that a telephone caller 105-1 for the applicable household is authenticated. In this way, provider 140 may obtain as part of the disclosed method of authenticating a telephone caller, additional household information regarding the household for which the telephone caller has been authenticated.
The above disclosed subject matter is to be considered illustrative, and not restrictive, and the appended claims are intended to cover all such modifications, enhancements, and other embodiments which fall within the true spirit and scope of the present disclosure. Thus, to the maximum extent allowed by law, the scope of the present disclosure is to be determined by the broadest permissible interpretation of the following claims and their equivalents, and shall not be restricted or limited by the foregoing detailed description.
Dunmire, David L., Clark, Jeff P., Novack, Brian M.
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